What does US · Fair Credit Reporting Act (FCRA) cover?

Accuracy, permissible purpose & disputes. It applies to: Consumer reporting agencies, furnishers & users.

What does the Regulayer pack for US · Fair Credit Reporting Act (FCRA) prove?

Accuracy-procedure records, permissible-purpose signals, dispute detail, and 3-year criteria retention. The record is signed and tamper-evident, and anyone can verify it free, without an account.

Regulayer / The 146 laws / Financial services

US · Fair Credit Reporting Act (FCRA)

Accuracy, permissible purpose & disputes.

Applies to: Consumer reporting agencies, furnishers & users. Built · in force

What the signed record shows

Accuracy-procedure records, permissible-purpose signals, dispute detail, and 3-year criteria retention.

The proof is a signed, tamper-evident record. Anyone can check it, free, without an account, and nothing has to leave the building to make it. Evidence, not a promise.

Citation: 15 U.S.C. §1681e/b/i/m

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What to do about it

Seven days free, then $349 a month.

A signed record of which AI you used and what you checked, sealed to the exact file you deliver, made on your own machine and checkable free by anyone you send it to.

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Part of the Regulayer proof catalogue: 146 laws and standards, one sealed engine. This page is a product description, not legal advice.

What the statute requires, section by section

Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. (Title 15, Chapter 41, Subchapter III). Provisions addressed:

§ 1681e: Compliance procedures; reasonable procedures to limit furnishing to permissible purposes and verify prospective users; § 1681e(b) "reasonable procedures to assure maximum possible accuracy."
§ 1681b: Permissible purposes of consumer reports; § 1681b(f) bars use without a certified permissible purpose.
§ 1681i: Procedure in case of disputed accuracy (reinvestigation, 30 days);; § 1681i(e)(3)(C) requires maintaining records of complaint dispositions.
§ 1681m: Requirements on users taking adverse action; § 1681m(d)(3) requires maintaining the selection criteria on file for 3 years.

Taken from the Regulayer entry for this instrument, which is built against the primary text.